CHAPTER 1

1.0 INTRODUCTION
The main purpose that banks have been serving since their inception is keeping o
ur money safe for us. While keeping our money safe, they also let us earn a cert
ain amount of interest on the money deposited with them. Traditional banks have
been doing this, and internet banks continue the same function. The only differe
nce is in the way the transactions are made.
We all know about internet banking and most of us use it quite often as well, bu
t few of us actually understand about the history of internet banking and how it
all came out. Knowing the history of internet banking can be incredibly useful,
especially since it will allow us to have more respect for the little things th
at we take for granted.
Computers themselves have really come an enormous way since their initial establ
ishment, as the earliest electronic computers were so large that they would take
up the entire area of a room, while today some are so small that they can hardl
y be seen at all.
In today's world, computers play an incredibly large role in the way the world e
xists in general, and the majority of tasks could actually not be completed if n
ot for the use of computers. Although there are certainly some areas and jobs th
at cannot yet be completed solely by computers and which thus still require actu
al manpower, for the most part, computers have helped to make life significantly
easier, productive, and more convenient for us all.
Internet banking has been around for quite a few years now, but has really only
become prominent over the past year or so in particular. Internet banking offers
an array of different advantages to the user, including:
1
account balances and history including year-to-date information, the ability to
transfer money from one account to another and to payees for bill payments, chec
k history, reorders, and stop payments, check credit card balances and statement
s, complete online loan applications, secure interactive messaging with staff, a
nd much more.
Internet banking basically allows you to be able to do everything that you can i
n your regular banking institution, only with the benefit that you can do it all
right from the convenience of your own home. Not only is this great because you
can be comfortable and have peace of mind knowing that you can keep track yours
elf of all your banking issues, but as well it allows for more ease because you
never have to worry about rushing out and making it to the bank.
1.1
STATEMENT OF THE PROBLEM
With the problems and limitations associated with manual banking procedures as w
itnessed in most parastatals today, complied with the problems associated with t
he existing application programs even much more in the presence of serious techn
ological advances aimed at improving information system. This is activities aime
d at shedding light upon the need for improvement in accounting activities and t
he means of achieving its efficiency, effectiveness, reliability and success pro
mising future through computer intervention.
Internet banking identifies a particular set of technological solutions for the
development and the distribution of financial services, which rely upon the open
architecture of the Internet. With the implementation of an Internet banking sy
stem, the banks maintain a direct relationship with the end users via the web an
d are able to provide a personal characterization to the interface, by offering
additional customised services.
2
1.2
PURPOSE OF THE STUDY
The aim of this project is to develop a secured online banking system with
the following objectives:
Create a banking system that is easily accessible by customers from
the comfort of their homes, offices etc.
Reduce the flow of human traffic and long queues at banks
Reduce the time wasted in going to banks to stay on queues.
Promote efficient and effective banking for the banks by focusing on
those services that still require physical presence at the banking hall.
1.3
IMPORTANCE OF THE STUDY
This will cover the benefits derived in using internet banking and it s
fundamental.
1.3.1 ONLINE BANKING HOW IS IT DIFFERENT?
Many consumers today are turning to the ease and convenience of Internet banking
to take care of their financial needs. With the new levels of access made possi
ble by the Internet, people can now check the status of their finances with the
click of a button.
The history of Internet banking has evolved from simply allowing customers to ch
eck balances online, to now being able to trade stocks and bonds from the comfor
t of their own home!
1.3.2 WHY USE ONLINE BANKING?
3
Online banking services have grown from simply allowing customers to check balan
ces, to trading assets. Today, banks like ING Direct are functioning entirely on
line, with no brick and mortar building. With the costs saved by requiring fewer
employees and the lack of facility expenses, these virtual banks can often offe
r higher interest rates than their traditional counterparts. Internet banking gi
ves you the power to control your finances completely. You are no longer tied do
wn to managing your money during the hours the bank is open. If you want to tran
sfer a balance after business hours, you can! If you have access to the Internet
and have a number of recurring monthly bills, then you should use Internet bank
ing to make your life easier.
1.3.3
FEATURES OF ONLINE BANKING
Today, online banking services are quite varied. One of the best features of
online banking is putting the user in control. The user controls all bill paying
,
transfers, and investments from home.
There are other features, though of online banking. One of these is increased
accessibility to your account information. Users of online banking services
can access their account information from anywhere in the world! This is
particularly helpful for businesses. Internet business banking is becoming
increasingly popular, as businesses are becoming more global in their reach.
Now business people can access their accounts, even when on overseas
business trips. Business Internet banking is extremely popular for this
reason.
A particularly popular aspect of online banking services is the ability to make
bill payments electronically. With a minimum degree of set-up, customers
can enter the amounts of their paper bills (or opt to receive electronic bills)
and process all their payments at one time, from one screen
1.4 SCOPE OF THE STUDY
4
The scope of this project is limited to the activities of the operations unit of
the banking system which include opening of Account, Deposit of funds, Withdraw
al of funds and transfer.
1.5
METHODOLOGY
This project employs the object oriented approach of software engineering using
appropriate (UML TOOLS) an object oriented approach. Some of the steps to be tak
en are:
Feasibility study understanding and identifying of existing system and
associated study.
Analysis proper analysis and suggested solution to tackle such
problems will be considered.
Design designing the new system will be achieved through an object
oriented software tools (UML).
Coding this is implemented as a 3tier architecture model using java
language. The 3 layers of the application are as follows.
1, Java server pages / html pages front end
2, Java server pages / servlets middle end
3, SQL server as the back-end
1.6 MODE OF OPERATION
WEBTRUST will contain self explanatory hyperlinks that customers can click
to make any request or perform a task.
5
If a customer clicks on account opening links, he is taken to page where he fill
s a form and clicks the submit button if he is through. A successful filling of
the form gives a response that confirms the customer account is open and activat
ed. Thus such a customer can receive money into such an account through funds tr
ansfer. Account details are sent by the bank to the customer s email box.
Registered customers or Account holders of the bank can now login using the acco
unt details posted to their email box to login before they can perform financial
transactions. The system is secured such you cannot operate another mans accoun
t even if you knew his account details because a new transaction number is alway
s sent to a customer for each login. This transaction number is what will be use
d to authenticate any transaction per time.
1.7 DESCRIPTION
WEBTRUST is built on the three tier architecture of web applications.
Front-end
6
Database
JSP/Servlet
(Application
logic)
Internet
/
intranet
www.webtrust.com
Home Services Contact
.
WEBTRUST
Server
(Web server)
Middle-tier
Back-end
When a request is made on a web page through the browser, a jsp/servlet script t
hat is residing on the web server (the WEBTRUST Server) processes the request. I
t connects to the database to retrieve the requested information and sends its r
esponse back to the browser which displays the output on another web page.
The advantage of this architecture is that the database is more secured as it is
only accessible by the application logic (jsp/servlet script) that resides on t
he web server.
1.8 SOFTWARE TOOLS USED
IDE: Net Beans 5.5
Language: Java
Web Server: Apache Tomcat 5.0
Web Technology: JSP/Servlet
Database: Ms Access / SQL Server
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CHAPTER TWO
LITERATURE REVIEW
The emergence of electronic commerce over the past decade has radically transfor
med the economic landscape. For developing countries, the digital revolution off
ers unprecedented opportunities for economic growth and development, a case stud
y of Pakistan.
2.1 DEFINING E-BANKING / ONLINE BANKING
In the 21st century there will be a lot of banking, but there will be no banks.
Says Bill Gates.
The term "online banking" or "internet banking" covers both computer and telepho
ne banking. Using computer banking, a customer either uses his computer to dials
directly into its bank's computer or gains access to the bank s computer over the
internet. Using telephone banking, the customer can controls its bank accounts
by giving the bank instructions over the telephone. Both computer and telephone
banking involve the use of passwords which give access to the customer s accounts.
Using these methods, banking transactions can be actioned 24 hours a day. Online
banking allows the person, for instance, to view recent transactions, print out
statements and transfer funds between accounts and make payments.
Many banks also have the facility for someone to set up, amend or cancel standin
g orders. Internet banking also allows payments to be made to the customer, i.e.
acceptance of credit card donations. Most people that use
8
internet banking will also continue to use some of the elements of more
traditional methods of banking, such as a cheque book.
.2.2 E-BANKING IN DEVELOPING COUNTRIES
Just like Internet infrastructure, E-Banking in developing countries is at early
stages; however there are some exceptions where countries like:
Brazil have 75% of enterprises, excluding micro-enterprises using the
Internet for banking in 2005.
Morocco (34.9%). (United Nations Conference on Trade and
Development, 2006),
There is an increasing growth of online banking, indicating a promising
future for
online banking in these countries.

In China, while banks issue credit cards and while many use debit cards to draw
directly from their respective bank accounts, very few people use their credit c
ards for online payment. Cash-on-delivery is still the most popular mode of e-co
mmerce payment. Nonetheless, online payment is gaining popularity because of the
emergence of China pay and Cyber Beijing, which offer a city-wide online paymen
t system. (Zorayda Ruth B. Andam, 2003).

The Nigerian economy is largely cash-based with a lot of money residing outside
the banking system. To a greater extent, this has hindered the participation of
her citizens in e-commerce where e- payment is the acceptable means of settling
transactions. (Ayo Charles. K and Babajide Daniel O, 2006). In Nigeria, the mode
rnization of the payment process started with the introduction of the MICR. This
9
was followed by the establishment of ATMs for cash dispensing, account balance e
nquiry and payment of utility cheques. In 1993, the Central Bank of Nigeria (CBN
), introduced the use of payment cards (smartcard) and paper-based instrument. S
imilarly in 2004, CBN introduced a broad guideline on e-banking which included t
he introduction of ATM, e-money products such as credit and debit cards (Salimon
, 2006).

The Turkish banking sector has not only grown in numerical terms it has also exp
anded in terms of technology and the range of new services offered to its local
and foreign customers. The sector has been viewed as the leader of technological
innovations in Turkey.
Although a lot of work and progress has been made in electronic banking by these
countries, but these nations are still cash based economies largely. There need
s to be a regulatory framework and awareness among the banks and the consumers a
bout the benefits and drivers of such systems.
Fast adoption of electronic form of banking is the need of the day for these
developing nations to survive in today s hypercompetitive global world.
2.3 E-BANKING IN PAKISTAN
Just like many other developing countries, electronic banking initiatives are be
ing worked on in Pakistan to exploit the technological benefits that can be reap
ed along with many other e-readiness initiatives being taken.
10
Pakistan has been among the late entrants into e-banking. The first ATM switch w
as setup in 1999 and in2000 Internet Banking was introduced. (Ali Ahmad, 2006)
When the government started an information-technology (IT) and e- commerce initi
ative in early 2000, the banks were expected to lead the way into e-commerce. Ho
wever, although the banking sector is the leading spender on information communi
cations technology, the most progress in e- commerce has been in e-government . Som
e business-to-business (B2B) portals are available, but they are designed more f
or Information than transactions. (The Economist Intelligent Unit, 2006)
Since the de-regulation of the banking sector in Pakistan in 2002 many foreign a
nd private banks have established strong consumer base by adopting e-Commerce te
chniques, thus exploiting the first mover advantage myth. However, for such init
iatives to be successful Government needs to play an active role in creating awa
reness among the consumers and a regulatory infrastructure and legislation.
Pakistani government has already started working towards forming an information
society to create awareness among the people but the process is relatively slow.
The Ministry of Science & Technology has been taking number of measures to promo
te E-Commerce and E-Banking in Pakistan, Technology helps to catalyze efficiency
in the provision of financial services and ultimately in determining the winner
s in the intensely competitive financial markets of the future.
11
The use of ATMs and e-banking products is gaining currency and almost all banks
have established networking of their ATMs with the interconnectivity of switches
. Better outreach offered by ATMs will enhance the customer base and offer more
alternatives and choices to customers. Further development on e-banking and inte
rnet banking will open up new avenues like on-line banking. Among others, the re
latively smaller size banks will be able to compete with the large banks and ret
ain their market presence by using technology more effectively.
Technology tends to have a high degree of obsolescence. Thus, the financial inst
itutions will have to invest heavily in the development of their IT systems, whi
ch might initially burden their resources.
Half of the country s 7,000 commercial-bank branches, including 90% of the branche
s in urban areas, had been computerised by August 2006. Many banks and exchange
companies offer online funds transfers from overseas, such as for workers remitt
ances.
A few of banks offer mobile-phone banking, where customers can pay utility bills
using their mobile phones. The National Institutional Facilitation Technologies
(NIFT), an
automated check-clearing house was operating in 14 cities in August 2006, and it
processed 60m checks per year in 2005/06. NIFT is a public-private company owne
d 51% by banks (The Economist Intelligence Unit, 2006)
In recent years, Automated Teller Machines (ATM), Tele Banking, Internet Banking
, Credit and Debit Cards, etc. have emerged as effective delivery channels for t
raditional banking products in Pakistan. Foreign banks took the
12
lead by re-introducing credit cards to the Pakistani mass market in mid-
1990s. (State Bank of Pakistan, 2003)
This was followed by the domestic banks, which introduced ATM facility in late 1
990s. However, this delayed entry in e-banking may be largely explainable by reg
ulatory hurdles, higher start-up costs, 38 ongoing banking sector reforms, and l
ack of technical skills.
At present, a number of commercial banks have set up their own standalone ATM ne
tworks, issuing credit and debit cards, offering round the clock phone banking,
and maintain comprehensive websites providing detailed information on their conv
entional and e-banking products. Furthermore, all banks have joined one of the t
wo operating ATM Switch Networks (MNet and ATM Switch Network) and these two swi
tches are in process of linkage with each other. Haven linked these two switches
, customers will have access to over four hundreds ATMs throughout Pakistan.39 H
owever, other e-banking activities are yet to establish. In Pakistan, the ATMs g
enerally allow cash withdrawals, balance information, PIN change, and to print m
ini-statement. A few banks also provide fund transfers, check book request, and
utility bill payment facilities through their ATM networks.
2.4 METHODOLOGY
This is an exploratory research that evaluated different factors that why consum
ers in Pakistan are reluctant to adopt e-banking. Data collection methods are an
integral part of research design. Both primary and secondary data are used in t
his research. Three research methods; surveys, case studies and research article
s had been used for this paper.
13
A questionnaire was developed to gather data from the banking consumers, which c
onsisted of two sections to which there were 145 respondents forming a Non Probab
ility Sample . The sample data consisted of 34 Online Banking users while 111 were
non-users.
2.5 PROFILE OF RESPONDENTS:
The majority of the respondents were male (83.3%), young (73.7 %) were between t
he age of 18 and 30. 53.3 % of the respondents were employed, 36% were students
and belonged to the income class between RS 10,000 -20,000.
For the purpose of this project, two commercial and four national banks had
been analyzed.
Table 1. Age Profile of respondents
Frequen
cy
Percent
Valid
Percent
Cumulative Percent
Valid
18-25
years
78
53.8
53.8
53.8
26-30
Years
32
22.1
22.1
75.9
31-40
Years
24
16.6
16.6
92.4
41 &
Above
117
67.6
100.0
TOTAL
145
100.0
100.0
14
Table 2: Most important reasons for opening an internet account
Valid
Frequency
Percentage Agreeing
Better rates
13
38.2
Safety & security
16
47.1
Low services charges
13
38.2
Easy to maintain
transaction activity
19
55.9
Loan payment
information
10
29.4
Seeking product &
rate info
13
38.2
Download loan
application
12
35.3
Download personal
dank transactions
16
47.1
Check balance online
16
47.1
Consumer loans &
credit cards
applications
16
47.1
Inter account transfer 13
38.2
Online bill payments
13
38.2
15
Table 3: Reasons for not opening an online bank account
Frequency
Percentage Agreeing
Never had of internet
banking
33
29.7
Don t know whether my
bank offers this facility
51
45.9
No time to open such
account
38
34.2
Don t see any real value 52
46.8
Would like to see how it
works before
51
45.9
Not available through
my bank
45
40.5
Concerned about
security
42
37.8
Table 4: Important factors for non-users in choosing online banking
facilities
16
Frequency
Percentage Agreeing
Better rate & lower
service charges
79
71.2
Bank familiarity
82
73.9
Bank location
73
65.8
Security of transactions 79
71.2
Convenience
83
74.8
Quick service
81
73.0
Variety of features &
services
79
71.2
2.6 CONCLUSION
The findings reported here clearly indicate that at macro level whereby due to g
lobalisation and a demanding lifestyle, there is a strong need for having one st
op online banking accounts. The analysis therefore shows that the level of elect
ronic readiness and participation is rather low for a population of approximatel
y 169 million in Pakistan.
It was also interesting to note the perceptions about prospective benefits regar
dless the limitations and reasons for not adopting online banking. Although onli
ne banking is not yet ubiquitous in Pakistani society but there is a very high p
otential and scope. It is about time that the Government, banks and consumer rea
lize that without adoption of the new emerging technologies such as e-banking th
ey will lag behind as pointed out by Andy Grove:
You have no choice but to operate in a world shaped by globalization and the info
rmation revolution. There are two options: adapt or die. Andy Grove, Chairman, In
tel.
17
CHAPTER 3
SYSTEM ANALYSIS AND DESIGN
This chapter deals with the analysis and design of Online Banking, application o
f new system, the hardware and software requirements for implementing the system
and stating the choice of the language used.
3.1 Defining a system:
A system is a collection of components, which are interconnected, and work toget
her to realize some objective. There are three major components in every system,
1. input
2. processing
3. Output.
18
Input
Output
3.2 Analysis
System analysis is a logical process; the objective of this stage is not actuall
y to solve the problem but to determine what must be done to solve the problem.
The basic objective of the analysis stage is to develop the logical model of the
system using tools such as UML (Unified modelling language). First let s take a l
ook at the existing and proposed system.
3.2.1 Existing System
Existing system is the traditional banking, where customers have to go through t
he long queue, time wasted and still wouldn t have access to efficient and effecti
ve banking system.
3.2.2 Proposed System:
Considering the stress and time taken to go to bank and do transaction. The deve
lopment of a well structure and secured online banking system will allow custome
r to perform objectives like, creating a banking system that is easily accessibl
e by customers from the comfort of their homes, offices 24/7.
19
Processin
g
Reduce the flow of human traffic and long queues at banks; Promote efficient and
effective banking for the banks by focusing on those services that still requir
e physical presence at the banking hall. Provides intra-bank funds transfer serv
ices to their customers. Keep a detailed log of customer transactions with the b
ank on his account. Generate the statement of account of a selected period of ti
me for customers. And Provide a customer relationship services
3.3
UML DIAGRAM OF WEBTRUST
20
ONLINE BANKING (WEBTRUST BANK
PLC)
MANAGE
CUSTOMERS
MANAGE
ACCOUNTS
MANAGE
TRANSACTION
System
Customer
REGISTER
SIGN IN
OPEN AN
ACCOUNT
OPERATE AN
ACCOUNT
Customer
System
3.3.1 MAIN COURSE OF EACH USE CASE.
1. REGISTER (Actor: Customer)
Pre-condition: None
1.1Navigate to the Registration page
1.2Fill the registration form
1.3Submit the form
Post-condition: Get instant message that customer profile is created
and login details is sent to inbox
2. SIGN IN (Actor: Customer)
Pre-condition: Register as a Customer
1.1Navigate to sign in page
1.2Enter login details
1.3Click Login
Post-condition: Access is granted to the user home page for the
customer
3. OPEN AN ACCOUNT (Actor: Customer)
Pre-condition: Login as a customer
1.1Click the create account button on the user home page
1.2View the create account page
1.3Enter account name for the new account
1.4Select account type for the new account
21
1.5Click submit button
Post-condition: The new account is added to the accounts list on user
home page
4. OPERATE AN ACCOUNT (Actor: Customer)
Pre-condition: Login as a customer
1.1Select the account to operate in the list of accounts
1.2Click the desired operation such as deposits, withdrawals , funds
transfer and statement of account
Post-condition: Access is granted to the appropriate transaction page
for the selected account
5. MANAGE CUSTOMERS (Actor: System)
Pre-condition: None
1.1Create customer inbox
1.2Generate customer login details
1.3Sends details to inbox
Post-condition: Customer can check his login details in his inbox.
6. MANAGE ACCOUNTS (Actor: System)
Pre-condition: None
1.1Generate account details
22
1.2Send details to customer inbox
Post-condition: Customer details such as account no, access code etc
is sent to inbox.
7. MANAGE TRANSACTIONS (Actor: System)
Pre-condition: None
1.1Execute transaction instructions
1.2Updates customer account
1.3Generate account balances
Post-condition: Customer sees the current state of account on the user
home page
3.4 UML DIAGRAM FOR OPERATING AN ACCOUNT
23
OPERATE AN ACCOUNT (WEBTRUST BANK
PLC
)
DEPOSITS
WITHDRAWA
LS
FUNDS
TRANSFER
STATEMENT
OF
Customer
System
Click
account
<<includes
<<includes
<<includes
<<includes
24
3.4.1 MAIN COURSE OF EACH USE CASE.
8. DEPOSIT (Actor: Customer)
Pre-condition: Select the account to operate
1.1Navigate to the Deposit form page
1.2Fill the deposit slip
1.3 Submit the slip
Post-condition: Selected account is credited appropriately
9. WITHDRAW (Actor: Customer)
Pre-condition: Select the account to operate
1.1Navigate to Withdrawal form page
1.2 Fill the withdrawal slip
1.3 Submit the slip
Post-condition: The selected Account is debited and it can be viewed
by clicking on the statement of account which displays all the
transaction
25
10.FUND TRANSFER (Actor: Customer)
Pre-condition: Select on the account on which the fund is to be
transferred
1.1Navigate to the Fund transfer form page
1.2Fill the fund transfer slip
1.3Submit the slip
11.STATEMENT OF ACCOUNT: (Actor: Customer)
Pre-condition: Click on the account on which the statement is to be
viewed1.1 Navigate to the Statement of Account form page
1.2View the transactions of the selected account
3.5 ENTITY RELATIONSHIP(ER DIAGRAM) OF THE TABLES USED
26
CHAPTER 4
27
IMPLEMENTATION
4.1 System Implementation
During the implementation stage the system is physically created. Necessary prog
rams are coded, debugged and documented. A new hardware (where necessary) is sel
ected, ordered and installed.
4.2 System Specification
Every computer system consists of three major elements.
1. The Hardware
2. Application Software.
3. Operating system
For successful operation of the package following must be kept in mind:
Too many packages should not be used, as very few systems may have all those pac
kages installed due to memory problem. Thus, the compatibility of the system dev
eloped will get reduced.
4.3 Hardware Requirements
Intel Pentium III processor at 750 MHz or faster, minimum of 1G available disk s
pace for installation (including IBM SDK), minimum of 512 MB memory, CD-ROM driv
e.
4.4 Software Requirements
Software tools used
IDE: Net Beans 6.1
28
Language: Java
Web Server: Apache Tomcat 6.014
Web Technology: JSP/Servlet
Database : Ms SQL Server 2000
The application software is developed in Java, and the central database is based
on MS SQL Server 2000. The system can be accessed on a standalone computer.
Implementation
A.) Create a DataSourceName(DSN)
To Create a DSN, You need to perform following steps:
1. You need to first open the Control Panel window.
2. double click Administrative Tools icon.
3. To open the ODBC Data Source Administrator dialog Box, double click the Data
sources ODBC icon. The following figure shows the ODBC Data Source Administrator
dialog Box:
29
ODBC Data Source Administrator Dialog Box
4. Click the Add button to select a driver for creating a DSN.
5. To connect to SQL Server 2000, select the SQL Server Options from the
name list box in the Create New Data Source Dialog Box.
6. Click the Finish button to complete the task of selecting the driver for
creating a DSN.
B.) Specify the Connection details for the DSN
1. To Create a DSN, type the name of the data source in the name text box of the
Create a New Data Source to SQL Server dialog Box as shown in the following fig
ure.
30
2. To select the required SQL Server select the name of the SQL Server
from the Server drop down list and click the Next button.
3. To indicate how the SQL Server should authenticate a login ID, select with th
e SQL Server authentication using a login ID and a password entered by the user
option. The login ID and the password entered by the user option. The Login ID a
nd Password textboxes becomes active as shown in the following figure.31
4. Type the username and password in the text boxes and click Next.
5. To enable the database drop-down list, select the change the default
database to options.
6. To select the required database select the name of the database from
the drop down list and click Next button.
7. Select the language for the System messages to English and click
Finish.
32
8. The ODBC Microsoft SQL Server Setup dialog box appears with all the
details about the created DSN as shown in the following figure.
9.To test the created DSN for the connection with the database, click Test
Data Source button, the message regarding the connectivity test
appears.
10.Click Ok to save the Configuration settings for the new data source.
33
11.To verify that the DSN is created, check the name of the Created DSN in the u
ser data source list box of the ODBC Data Source Administrator dialog box and cl
ick Ok. The following figure shows the ODBC Data Source Administrator dialog box
.
34
Displaying the webtrust Data Source created.
The Data Source is then used in the Login Process, to access specific tables
in the database.
4.5 SCHEMATIC DIAGRAM OF DATABASE
Schematic Diagram of Database depicting the Data Types used and relationships am
ong them with Database views. Each of these diagrams represents the tables that
would be created and would be worked along with. The database that would be used
depends on the Data Source that is created by the administrator linking to its
preferred Database.
35
36
37
38
39
4.6 Recovery & Security
A forced system failure is induced to test a backup recovery procedure for file
integrity. Inaccurate data are entered to see how the system responds in terms o
f error detection and protection. Related to file integrity is a test to demonst
rate that data and programs are secure from unauthorized access.
Usability Documentation & Procedure:
The usability test verifies the user-friendly nature of the system. This relates
to normal operating and error-handling procedures.
4.7 Quality Assurance
Proper documentation is must for mainframe of any software. Apart from In- line
documentation while coding. Help coding, help files corresponding to each progra
m were prepared so as to tackle the person-dependency of the existing system.
40
CHAPTER 5
RESULT AND CONCLUSION
This section discuses the result of the work done in this project And also
mentions the future scope for improvement.
5.1 Conclusion
As the world becomes more of a global village being runned by paperless systems,
 the idea of a cashless society is the hope of the future. Thus more innovations
will still evolve which will make cashless transactions easily accessible and a
ffordable.
5.2 Future Scope of Improvement
The Banking Online System is a big and ambitious project. I am thankful for being
provided this great opportunity to work on it. As already mentioned, this proje
ct has gone through extensive research work. On the basis of the research work,
we have successfully designed and implemented banking online System. This system
is based upon 2-tier client server architecture. The tools used for development
were as follows.
Front-end-----Net beans 6.0.1
Back-end----MS SQL Server 2000
41
5.3 Annexure A Sample forms
Home Page
42
Customer Information
43
Viewing Signature form
44
Viewing Sign-In Page
45
Welcome Login Account Page
46
Account Details
47
BioData
48
Statement of Account
49
Deposit Views
50
Withdrawal Views
51
Fund Transfer Views
52
PROGRAM LISTING
53
// createAccount.jsp
<%@page contentType="text/html" import="java.io.*;"%>
<%
String userid = "";
try
{
FileInputStream fis = new FileInputStream("C:\\regno.txt");
int avail = fis.available();
byte bytearray[] = new byte[avail];
54
int byteread = fis.read(bytearray,0,avail);
userid = new String(bytearray).trim();
}catch(IOException ioe)
{
out.println(ioe.toString());
}
%>
<HTML><HEAD><TITLE>Signature Form</TITLE>
<META http-equiv=Content-Language content=en-us>
<META http-equiv=Content-Type content="text/html; charset=windows-
1252">
<STYLE>.ms-contemp-main {
BORDER-TOP-STYLE: none; BORDER-RIGHT-STYLE: none; BORDER-LEFT-
STYLE: none; BORDER-BOTTOM-STYLE: none
}.ms-contemp-tl {
55
BORDER-RIGHT: white 2.25pt solid; BORDER-TOP: white 2.25pt solid;
FONT-WEIGHT: bold; COLOR: black; BORDER-LEFT-STYLE: none; BORDER-
BOTTOM-STYLE: none
}.ms-contemp-left {
BORDER-RIGHT: white 2.25pt solid; BORDER-TOP: white 2.25pt solid; FONT-WEIGHT: n
ormal; COLOR: black; BORDER-LEFT-STYLE: none; BORDER- BOTTOM-STYLE: none
}</STYLE>
<META content="MSHTML 6.00.6000.16711" name=GENERATOR></HEAD>
<BODY>
<DIV id=layer1
style="Z-INDEX: 1; LEFT: 4px; WIDTH: 1142px; POSITION: absolute; TOP:
22px; HEIGHT: 578px">
<DIV id=layer2
style="Z-INDEX: 1; LEFT: 241px; WIDTH: 763px; POSITION: absolute; TOP:
4px; HEIGHT: 525px">
<DIV id=layer3
style="Z-INDEX: 1; LEFT: 0px; WIDTH: 757px; POSITION: absolute; TOP: 5px;
HEIGHT: 130px">
<DIV id=layer4
56
style="Z-INDEX: 2; LEFT: 34px; WIDTH: 475px; POSITION: absolute; TOP: 2px;
HEIGHT: 64px">
<DIV id=layer5
style="Z-INDEX: 3; LEFT: -33px; WIDTH: 87px; POSITION: absolute; TOP: 0px;
HEIGHT: 82px"><IMG
height=81 src="images/images.jpeg" width=83 border=0></DIV><IMG
height=70
src="images/myBankBckgrd.GIF" width=319 border=0></DIV>
<DIV id=layer6
style="Z-INDEX: 3; LEFT: 13px; WIDTH: 727px; POSITION: absolute; TOP:
89px; HEIGHT: 38px"><IMG
height=39 src="images/webTrustHeader.png" width=727
border=0></DIV>&nbsp;</DIV>
<DIV id=layer7
style="Z-INDEX: 2; LEFT: -6px; WIDTH: 768px; POSITION: absolute; TOP:
137px; HEIGHT: 436px">
<DIV id=layer8
style="Z-INDEX: 1; LEFT: 11px; WIDTH: 168px; POSITION: absolute; TOP:
15px; HEIGHT: 353px">
<DIV id=layer12
style="Z-INDEX: 1; LEFT: 3px; WIDTH: 152px; POSITION: absolute; TOP: 28px;
HEIGHT: 144px">
<TABLE class=ms-contemp-main height=137 width="98%"
bgColor=#ddeaff border=0><!-- fpstyle: 34,011111100 -->
57
<TBODY>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="22">&nbsp;</td>
</TR>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="24">
</td</TR>
&nbsp;<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="24">
&nbsp;</TR>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="24">&nbsp;</TD></TR>
<TR>
<TD class=ms-contemp-
left>&nbsp;</TD></TR></TBODY></TABLE></DIV>
<DIV id=layer13
style="Z-INDEX: 1; LEFT: 1px; WIDTH: 152px; POSITION: absolute; TOP:
202px; HEIGHT: 147px">
58
<TABLE class=ms-contemp-main height=143 width="98%"
bgColor=#ddeaff border=0><!-- fpstyle: 34,011111100 -->
<TBODY>
<TR>
<td background="images/image002.jpg"><b>
<font face="Arial" size="2"
color="#004E9B"></font></b></td>
</TR>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="33">
<font face="Arial" size="2"></font></td></TR>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="26">
</TR>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="18">
</td></TR>
<TR>
<td class=ms-contemp-left background="images/image002.jpg"
height="18">
59
&nbsp;</td>
</TR></TBODY></TABLE></DIV>
<P>&nbsp;</P></DIV>
<DIV id=layer9
style="Z-INDEX: 2; LEFT: 16px; BACKGROUND-IMAGE:
url('images/footer.png'); WIDTH: 730px; POSITION: absolute; TOP: 405px;
HEIGHT: 29px">
<TABLE height=28 width="100%" border=0>
<TBODY>
<TR>
<TD width=345><FONT face=Verdana color=#ffffff size=1>&nbsp;©
Copyright
2008 WEBTRUST BANK plc. All Rights Reserved.</FONT></TD>
<TD>
<P align=right><FONT face=Verdana color=#ffffff size=1>Designed by
JIDESERIKI</FONT></P></TD></TR></TBODY></TABLE></DIV>
<DIV id=layer10
style="Z-INDEX: 1; LEFT: 180px; WIDTH: 586px; POSITION: absolute; TOP:
4px; HEIGHT: 370px">
<td height="328" valign="top">
<form method="POST" action="sigfrmscript.jsp">
60
<!--webbot bot="SaveResults" U-File="C:\Documents and Settings\Seyi Lucas\My Doc
uments\My Web Sites\_private\form_results.csv" S-Format="TEXT/CSV" S-Label-Field
s="TRUE" -->
<table border="0" width="100%" id="table27"
height="351">
<tr>
<td valign="top">
<p align="left"><b><font face="Verdana"
color="#004E9B">&nbsp;</font><font face="Tahoma" size="2"
color="#004E9B">Specimen
Signature form</font></b></p>
<table border="0" width="100%"
id="table28">
<tr>
<td width="177">
<p align="center"><font
face="Tahoma" size="2">Fix
passport Here</font></td>
<td>&nbsp;</td>
</tr>
<tr>
<table border="0" width="104%"
id="table29" height="103">
61
<tr>
<td width="113">
<p align="left">
<font face="Tahoma"
size="2">&nbsp;User id:</font></td>
<td>
<font face="Tahoma" size="2">
<input type="text"
readonly="true" name="txtUserId" value="<%=userid%>"
size="26"></font></td>
</tr>
<tr>
<td width="113">
<font face="Tahoma"
size="2" color="#004E9B">&nbsp;</font></td>
<td>
<font face="Tahoma"
size="2" color="#004E9B">
Enter your choice
password</font></td>
</tr>
<tr>
<td width="113">
62
<font face="Tahoma"
size="2">&nbsp;Password:</font></td>
<td>
<font face="Tahoma" size="2">
<input
type="password" name="txtPass" size="26"></font></td>
</tr>
<tr>
<td width="113">
<font face="Tahoma"
size="2">Confirm Password:</font></td>
<td>
<font face="Tahoma" size="2">
<input
type="password" name="txtCPass" size="26"></font></td>
</tr>
</table>
<p><b><font face="Tahoma"
size="2" color="#004E9B">NOTE:
</font></b><font face="Tahoma"
size="2">Don't forget
your userid, password and the
access code that
63
will be sent to&nbsp;&nbsp; your
inbox. You will
always need them to login. While
your account number
will be used to access and operate
your account.</font></td>
</tr>
<tr>
<td width="177"
height="39">&nbsp;</td>
<td height="39">
<p align="center">
<button name="B3" style="width:
56; height: 26" value="Finish" type="submit">
Finish</button>&nbsp;&nbsp;
<button name="B2" style="width:
58; height: 26" value="Cancel" type="submit">
Cancel</button></td>
</tr>
</table>
</td>
</tr>
</table>
64
</form></td>
</DIV>
<P>&nbsp;</P></DIV>
<P>&nbsp;</P></DIV>
<P align=center>&nbsp;</P></DIV>
</BODY></HTML>
65
REFERENCES
1. Ayo Charles. K and Babajide Daniel O, 2006, Designing a Reliable E-
payment System:
2.www.google.com
3. www.wilkipedia.com
4. Nigeria a Case Study, Journal of Internet Banking and Commerce, vol.
11, no.2
5.Ali Ahmad, 2006, Policies & Regulations for Expanding e-banking to
the Poor, The First Microfinance Bank Ltd, Pakistan, 5
6.Dr. Shamshad Akhtar, 2006, Financial Sector of Pakistan The
Roadmap, Dawn Asia Finance Conference.
http://www.sbp.org.pk/about/speech/governors/dr.shamshad/2006/Daw
n-Asia-Finance-Conference-13-May-06.pdf
7. Salimon Alao (2006): Moving towards a cashless economy , Financial
Standard, vol 7, no: 60, pp 19-21, June 2006.
8. The Economist Intelligence Unit, Nov 2006 Overview of e-commerce in
Pakistan,
66
http://globaltechforum.eiu.com/index.asp?layout=rich_story&doc_id=9
616&title=Overview+of+ecommerce+
in+Pakistan&categoryid=30&channelid=4, Accessed 18/06/07
9. Zorayda Ruth B. Andam, 2003, e-commerce and e-business, e-Asean
Taskforce UNDP-APDIP, Phillipines & Malaysia, 23
67